Can I get income protection with Multiple Sclerosis (MS)?
Income protection with multiple sclerosis is a specialist underwriting area. If you have a confirmed MS diagnosis, many standard insurers will decline or heavily restrict cover due to the progressive and variable nature of the condition. However, some specialist insurers — particularly those accessed through whole-of-market brokers — may offer cover with a broad MS exclusion, protecting you against all other causes of inability to work including accidents, cancer, and cardiovascular conditions.
How do insurers assess Multiple Sclerosis (MS) for income protection?
Insurers review your full medical history — diagnosis date, current treatment, stability of the condition, and any time off work it has caused. The more stable your condition, the better the terms available.
What terms might be offered?
- Standard terms — if the condition is well-controlled with no recent work absences
- Exclusion — the condition excluded, all other causes of inability to work still covered
- Rated premium — higher premium reflecting additional risk
Is IP still worth it with an exclusion?
Usually yes — an exclusion only applies to the excluded condition. You're still fully protected against accidents, cancer, heart attack, and hundreds of other causes of inability to work.
Frequently Asked Questions
It depends on the insurer and severity. Some exclude multiple sclerosis (ms)-related claims; others offer standard terms if it's well-controlled. Always compare multiple insurers.
Yes — an exclusion only applies to the excluded condition. All other causes of inability to work remain fully covered.